Stubborn belly fat is often caused by excess calorie intake, low physical activity, and sometimes hormonal changes. To reduce it, eat a balanced diet rich in vegetables, fruits, whole grains, and lean proteins, while limiting sugary and processed foods. Incorporate regular exercise, such as walking, cycling, strength training, and core workouts, to boost metabolism. Getting adequate sleep, managing stress, and staying consistent with these habits are also important for losing belly fat over time.